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Category Archives: Insurance 101

Medical vs. No Medical Life Insurance

Medical vs. No Medical Life Insurance

Life insurance is one of the most important purchases that you’ll ever make for your loved ones. Life insurance is one of the only ways that you can ensure that your family has the money that they need, regardless of what happens to you. It can be a confusing process starting to decide which type… Continue Reading

Why Do I Need Life Insurance?

Life insurance is designed to pay for an individual’s funeral costs, debts, taxes and other expenses after his or her death. It is particularly beneficial for young families with children, individuals with dependents or those who want to ensure that they are able to provide for their loved ones even after they are gone. Many… Continue Reading

What Is Term Life Insurance?

What Is Term Life Insurance?

Term life insurance is an important risk-management tool. In exchange for annual premium payments, a term life policy pays out a pre-determined amount if the insured party dies during the policy’s term. Since this type of policy remains in force for a fixed period of time and has no cash value, it costs significantly less… Continue Reading

Life Insurance Tips

With so many similar policies from which to choose, the process of shopping for life insurance can be overwhelming. It also tends to be highly personal. To secure the best possible deal for themselves and their beneficiaries, the savvy life insurance shopper carefully considers his or her family’s needs and purchases protection accordingly. First-time buyers… Continue Reading

How Does Term Life Insurance Work?

How Does Term Life Insurance Work?

Whole life insurance represents an underwriter’s open-ended commitment to pay out a pre-determined benefit in the event that a policyholder dies or cancels their policy. By contrast, term life insurance remains in force for a fixed period of time. What Happens When the Policy Holder Dies? If a term life policyholder dies during this set term, their policy’s… Continue Reading

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